Episode 43: The Science Behind Risk Management with Jay Stubbs
Segment 1 (Show Open):
Good afternoon, everyone! Welcome in. Welcome to Coasting in Retirement! That’s. Right. Thanks for joining us today, we’re excited to have you! Josh Null here, Michelle is off this week so we welcome back one of our regular co-hosts, Mr. Jay Stubbs, the Director of the Gulf Coast for Providence Partners, the sponsor of this show. Jay, how are you doing? Great. We are back again in Coastal College’s recording studio, beautiful downtown Fairhope, ready to put together another a great show for those of you tuning in!
Listeners: Jay and I are here today to discuss financial topics relevant to those of you in or near retirement, living your best life along our part of the gulf coast. Here’s what we’ve got in store for you today: First segment – deep dive on our topic of the day. 2nd segment - at about 25 minutes past the hour - “News Headlines of the Week”. Then at roughly 45 minutes past the hour, stick around for our 3rd segment, we call it” Josh’s Crystal Ball and Big Mouth”. We’ll see what Jay’s crystal ball has to to say about a couple of financial topics.. So buckle up, we’ve got a lot to get to!
Quick background on me for those new to the show. Again, my name is Josh Null, I am a fee-based financial advisor, I hold my FINRA Series 65 securities license, and I am the owner of Gulf Coast Financial Advisors, we are an independent investment management and financial planning firm with offices in Fairhope, Orange Beach, and Mobile! You can find more information on me and Gulf Coast Financial Advisors by visiting our website gulfcoastfa.com, or feel free to give us a call at 251-327-2124. If you missed that contact info, get a pen and pad ready because we will repeat our contact info several times throughout the show!
One more thing – before we get to our main topic – we have a very special guest in studio and a big announcement to make for my firm Gulf Coast Financial Advisors! Listeners I would like to introduce you to Pedro Cordozo, he is joining my firm as a producer and will be running our Orange Beach office! Pedro, how are you doing? Tell us a little bit about yourself:
Alright, let’s get to our main topic today. This episode is titled “The Science behind Risk Management”. Jay and I are going to break down the science behind how life insurance, disability income and long term care insurance work, the differences between individual and group coverages, and probably most importantly, the steps you need to take to get these different types of coverages, if you are interested.
Jay – I am looking for us to define the insurance, describe how , how to apply and what the UW process looks like.
LI – start with term – do level term, yearly convertible term (YCT), whole life and universal life, conversion privileges
DI – short term vs long term, group vs individual
LTC – conventional, asset based, life insurance riders, etc
Listeners, if you like to continue this conversation about either your individual retirement planning needs, or for your business owners, talk about employee benefits, then give us a call at 251-327-2124, or you can reach me through my website gulfcoastfa.com. One our site, you can choose to send us a direct message, or you can click on the blue button in the upper right-hand corner to set up a 15-minute introductory phone call on my calendar.
GCFA Disclosure:
Gulf Coast Financial Advisors, LLC ("GCFA”) is a registered investment adviser offering advisory services in the State of Alabama and in such other jurisdictions where it is registered, filed the required notices, or is otherwise excluded or exempted from such registration and/or notice filing requirements. Registration does not indicate or imply that GCFA has attained a particular level of skill or ability, nor does it constitute an endorsement of the firm by the Securities and Exchange Commission (SEC) or any state securities regulator.Certain information, news stories, headlines, data, charts, graphs, figures or statistics presented on this radio program may have been obtained from third-party sources that are believed to be generally reliable but which GCFA may not have independently verified. GCFA does not and cannot guarantee the timeliness, accuracy, or reliability of any such third-party information and undertakes no obligation to update or correct any information that may become obsolete, unreliable, or inaccurate. The radio program also contains the opinions, views, and perspectives expressed by Josh Null and any other GCFA representatives which are solely their own, and do not necessarily reflect the opinions, views, or perspectives of GCFA as a firm. Such personal views and opinions should not be construed as endorsements or professional advice from GCFA. GCFA makes no representation or warranty regarding the accuracy, completeness, or reliability of any information on this radio program, and disclaims any liability for any direct or indirect loss or damage incurred from using or relying on such information.
Aptus Disclosure:
Aptus Capital Advisors and Gulf Coast Financial Advisors are separate and distinct organizations, and are not affiliated. Aptus receives payment for investment management services directly from Gulf Coast Financial Advisors and not from clients' accounts. There are no revenue sharing or referral fees paid to, or received from, in regards to Aptus Capital Advisors' role with Gulf Coast Financial Advisors.
For more information about Aptus, or to receive a copy of our disclosure form ADV and Privacy Policy contact us. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities. Aptus Capital Advisors website and its associated links offer news, commentary and generalized research, not personalized investment advice. This website is for informational purposes only and does not constitute a complete description of our investment services or performance. Nothing on this website should be interpreted to state or imply that past results are an indication of future. All investments involve risk and unless otherwise stated, are not guaranteed. Be sure to consult with a tax professional before implementing any investment strategy. Aptus Capital Advisors is a Registered Investment Advisor (RIA) registered with the Securities and Exchange Commission and is headquartered in Fairhope, Alabama. Registration does not imply a certain level of skill or training.
GCFA, Aptus, Providence Benefits and Providence Partners are not affiliated, nor are any of their respective representatives.